A Fiduciary Responsibility
What acting as a fiduciary actually commits us to, and the disclosure documents that spell it out.
What We Do
How White Oak works with its clients and prospective clients
How White Oak works with its clients and prospective clients.
White Oak is a fee-based, discretionary investment management firm for individuals and small businesses. Our game plan for investing is logical, organized and disciplined.
Click the links below to learn about our commitment to clients as a fiduciary, the tools and methodologies we use to make investment decisions, and a unique approach to advising clients on 401(k) plans and annuities.
Where to start
Our Approach to Investing
Point & Figure charting and institutional-quality factor analysis — how we decide what to buy, and when.
Your Retirement Plan
Specific guidance on investment choices and allocations inside your company retirement plan or annuity.
Our Services
White Oak helps clients understand, plan for, and implement solutions from across the financial spectrum.
Wealth Management
Wealth management is more than just stocks and bonds and it is more than a one-size-fits-all portfolio. It begins with understanding our clients' goals, risk tolerance, and time horizon. Then it matches those basic elements with a portfolio designed to achieve the agreed upon goals.
Financial Planning
Financial planning is a collaborative process designed to maximize our client's potential for meeting goals based on their unique personal and financial circumstances. Financial planning involves an in-depth, multi-step process that evolves over time as client needs and goals evolve.
Retirement Planning
A common question clients ask is "do I have enough money to make it through retirement?" White Oak works with clients not only to answer this question, but to look for gaps in retirement funding that need to be addressed. Our process also helps clients make decisions about where retirement dollars come from - pre-tax accounts, from after-tax accounts, or some combination. The goal of such an analysis is to maximize tax efficiency.
Risk Management
Risk is inherent in just about all types of investing. Identifying risk and employing strategies to mitigate that risk is one thing White Oak spends a lot of time addressing. It is important to match clients' risk tolerance while maximizing their risk-adjusted returns. Learn more about how White Oak accomplishes this here.
Portfolio Analysis
Want a second opinion on your portfolio? White Oak offers prospective clients a free, no obligation review of your current holdings, with an eye toward identifying risk and opportunities for reward. Please get in touch to learn more.
Insurance Planning
Insurance is an integral component of clients' financial lives. From life insurance to long-term care insurance; from insurance to facilitate estate planning to insurance designed to provide clients with enough money for retirement - White Oak works with insurance experts to meet clients' insurance needs.
College Funding
College funding can create stress for young families facing the escalating costs of post-secondary education. White Oak helps clients understand the differences between savings vehicles (UTMA vs. 529, for example) and can model out various scenarios to help clients develop a savings plan to achieve their goals.
Tax Assistance
White Oak works with clients and their CPAs to ensure that all are on the same page when it comes to tax issues. Common concerns include tax efficient distributions from qualified retirement accounts, capital gains/losses that result from trading in after-tax investment accounts, and tax-efficient payouts from annuity contracts.
Estate Planning Assistance
Whether working with clients and their estate planning attorneys to develop an estate plan or settling an estate after a client's passing, White Oak is well-experienced in helping clients and their families navigate this important part of their financial lives.
Trust Management
Trusts can be an important component of clients' financial lives. Living trusts are a common component of estate planning; charitable remainder trusts are popular with philanthropic-minded clients; and an irrevocable life insurance trust can help efficiently transfer assets to the next generation. White Oak is experienced working with these, and other, kinds of trusts.
Beneficiary Planning
Choosing beneficiaries for retirement plans, insurance policies, and annuities can sometimes be confusing. White Oak not only helps clients make informed decisions on how best to name beneficiaries but also works with clients to keep those beneficiaries up-to-date.
Reverse Mortgage Guidance
Whether a reverse mortgage is in a client's best interest can be of critical importance. On the one hand, it can serve as a source of much needed cash in retirement. On the other hand, it can reduce the ability of a client to pass on assets to the next generation. White Oak brings in experts to help clients make the best decision possible.
Our Fee Schedule
| Aggregate Assets | Fee Percentage |
|---|---|
| Over $5,000,000 | 0.7% |
| $3,000,001 – $5,000,000 | 1.0% |
| $1,000,001 – $3,000,000 | 1.2% |
| $750,001 – $1,000,000 | 1.5% |
| $500,001 – $750,000 | 1.7% |
| $1 – $500,000 | 2.0% |
IMPORTANT: All trading and transaction costs are paid by White Oak Financial Management, Inc.
Resources
Have a 401(k) at a former employer? Learn the pros and cons of the choices available.
Questions About Our Process?
White Oak offers prospective clients a free, no obligation review of your current holdings, with an eye toward identifying risk and opportunities for reward. Please get in touch to learn more.